Steiermärkische Bank und Sparkassen Aktiengesellschaft

Steiermärkische Bank und Sparkassen Aktiengesellschaft is an Austrian savings bank headquartered in Graz and operating under the Steiermärkische Sparkasse brand. It is part of the Austrian Savings Banks Group and participates in the institutional protection scheme (Haftungsverbund) with Erste Group Bank AG. The bank provides retail and corporate services including current accounts, savings and term deposits, consumer loans and mortgages, SME and corporate financing, payment services, debit cards and credit cards (the latter typically via partner issuers), as well as securities custody and distribution of investment funds through Erste Group affiliates; insurance products are offered via partner companies. Digital banking is delivered via the George platform and mobile app with strong customer authentication; Apple Pay and Google Pay are supported; SEPA payments are standard and international transfers are executed via SWIFT; cash access is available through the national Bankomat ATM network. Account structures and fees reflect common Austrian market practices, with monthly maintenance charges and optional service bundles; pricing and eligibility depend on residency and product type, and non-resident onboarding is more limited and often requires a branch visit. The bank is licensed in Austria and supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank within the EU Single Supervisory Mechanism framework; deposits are covered by the Austrian statutory deposit guarantee up to EUR 100,000 per depositor per bank. Outside Austria, the wider group has stakes or affiliations in Southeast Europe under the Sparkasse or Erste&Steiermärkische brands, including in Bosnia and Herzegovina, North Macedonia and Croatia. Major shareholders include a savings bank foundation and Erste Group Bank AG.